How do I Use the Stock Triple Exposure Image setting?

[Serious Thought]

Hello all, I'm new to this photoshop, Premier Pro etc Abode community and slowly teaching myself. I only have a few days left for vacation and trying to figure out how to utilize the Stock Triple Exposure Image that is available via the open new project in photoshop.

I have a rudimentary understanding of it, but do I need to merge the photos with the layer that say" add a photo here" just looking for some guidance. Thanks I attached two screenshots below to give you an idea.

[davescm]

The 'Your image here' layers are smart objects, which are effectively containers for images which can themselves be single or multiple layers. Open each by double clicking in the layers panel, this will open the smart object as a separate document. Add your image in that document, then close and save the smart object. Repeat for the others.

Dave